
Move Funds Faster With Same-Day ACH Transfers

Automated Clearing House (ACH) payments have become critical for everything from electronic bill payments to direct payroll deposits. Same-day ACH is an improvement to the ACH network that enables the processing of credit, debit and return transactions multiple times daily. Same-day ACH transfers ensure that payments are deposited into another account on the same business day with certainty.
Supporting over 98,000 merchants, CSG Forte is a leading payments provider of ACH transactions. We leverage decades of experience with best-in-class software to deliver a seamless and scalable solution to businesses operating in a comprehensive range of verticals, including healthcare , government , property management , insurance , utility companies and integrated software vendors.
What Are Same-Day ACH Transfers?
ACH utilizes a batch processing system to submit transactions multiple times per day. Financial institutions, businesses and consumers move money between accounts using ACH. Same-day ACH ensures your transfers go through on the same business day you initiate them—as long as the initiating party executes them by a specific time. The same-day ACH cutoff time tends to be around 4:45 p.m. ET, so we recommend submitting 30 minutes to an hour before then, since individual financial institutions involved may have defined additional cut-off terms.
Although it’s not a real-time payment method, ACH allows transfers to process faster than the several days it took years ago. Some of the key players in same-day ACH payments include Nacha (which was originally called the National Automated Clearing House Association or NACHA, but has since removed the acronym), receiving depository financial institutions (RDFIs), originating depository financial institutions (ODFIs) and third-party processors like CSG Forte.
In 2015, Nacha added windows that offer quicker same-day processing and settlements for ACH transactions due to consumer demand and continuous requests from industry experts. Before these changes, it usually took two to three business days to process a typical ACH transaction.